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3. Citi Strata℠ Card review

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148

reviews

2.2

Rating: 2.2 out of 5.

Great for rewards on everyday spending

Annual Fee: $0

The average credit score for members who have matched with this card or similar cards is 723

The average credit limit for members who have matched with this card or similar cards is $11,822

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Citi Strata℠ Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $11,822, with $10,000 being the most common.

Here’s the average credit score of members who matched their Citi Strata℠ Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 723, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

23.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

47 years

Average age of members who matched this card or similar cards.

$109,558

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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$0 annual fee

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Flexible redemption options, including statement credit and travel

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Charges a foreign transaction fee

What to know about the Citi Strata℠ Card

Rewards categories offer decent earning potential

With the Citi Strata℠ Card, you’ll earn ThankYou® Points whenever you use the card to make purchases at certain stores.

• Earn 5 points per $1 spent on hotels, car rentals and attractions (excluding air travel) booked through Citi
• Earn 3 points per $1 spent on qualifying purchases at supermarkets
• Earn 3 points per $1 spent at gas stations, EV charging stations and select transit purchases
• Earn 3 points per $1 spent on a category you select from one of the following: fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores
• Earn 2 points per $1 spent at restaurants
• Earn 1 point per $1 on all other purchases

Note that discount superstores, convenience stores, markets, drugstores and wholesale clubs don’t count as supermarkets. You also won’t earn the bonus rate at certain gas stations, since it depends on how the gas station classifies itself. This means you might not earn bonus points at gas stations that are part of another store, like a wholesale club.

That said, if your spending lines up with these categories, you could earn a lot of points with the Citi Strata℠ Card.

Many redemption options and a redemption bonus

You can use the points you earn with the Citi Strata℠ Card in several ways, which makes this card a good option if you’re looking for a general rewards card.

With the Citi Strata℠ Card, you can choose from multiple redemption options, including …

• Redeem points for gift cards
• Shop with points on participating sites like Amazon.com and others
• Redeem points for travel rewards, like flights, hotels or car rentals
• Use points for statement credits to offset eligible purchases

The value of the points earned with the Citi Strata℠ Card depends on how they’re redeemed, but having these flexible redemption options can be valuable for many cardholders.

A few more details to keep in mind

There’s a sign-up bonus

New cardholders can earn 20,000 bonus points if they spend $1,000 on qualifying purchases within 3 months of opening their accounts. The points you earn with the sign-up bonus are redeemable for $300 in gift cards at thankyou.com. This may be appealing, but there are other rewards cards that offer bigger sign-up bonuses.

Promotional APR

The Citi Strata℠ Card is offering an introductory 0% APR for both purchases and balance transfers. For purchases, you get an intro 15 months. But to take advantage of the intro balance transfer offer (15 months), you must complete any transfers within four months of opening your account.

After the promotional periods, you’ll get a 18.49% - 28.49% variable APR on both purchases and balance transfers.

The balance transfers won’t earn you any points, and there’s a balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. 

Watch out: Foreign transaction fees

Be aware that you may have to pay a little extra — 3% — when making purchases abroad. Given this fee, it might be worth carrying another card if you plan to travel to another country.

Who this card is good for

The Citi Strata℠ Card could be a good option for someone who uses a credit card frequently, wants a card that doesn’t have an annual fee, and prefers to pick a rewards redemption option based on their needs at any particular time — not whatever offers the best value in general.

On its own, the Citi Strata℠ Card may not be the best pick for someone who frequently travels, since there’s a foreign transaction fee.

But the Citi Strata℠ Card could be a great pick when combined with a more travel-focused rewards card.

Not sure this is the card for you? Consider these alternatives.

• Chase Sapphire Preferred® Card:
  This card could be a good option for semifrequent travelers who want to kick-start their travel rewards.
• Capital One Savor Cash Rewards Credit Card:
  This card could offer great value for foodies.
• Citi Double Cash® Card:
  This card offers a more-straightforward rewards system for those who want cash back.